Consolidated Statements of Income and Retained Earnings - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Revenues
Discount revenue earned from purchased Card Member receivables and Card Member loans	$ 271	$ 199	$ 733	$ 558
Interest income from affiliates and other	99	75	278	198
Finance revenue	16	12	44	35
Total revenues	386	286	1,055	791
Expenses
Provisions for losses	68	60	190	176
Interest expense	165	139	469	359
Interest expense to affiliates	56	17	125	39
Other, net	(10)	(15)	(37)	14
Total expenses	279	201	747	588
Pretax income	107	85	308	203
Income tax (benefit) provision	(2)	13	(18)	15
Net income	109	72	326	188
Retained earnings at beginning of period	2,925	3,427	2,708	3,311
Retained earnings at end of period	$ 3,034	$ 3,499	$ 3,034	$ 3,499